6. Use Cash Instead of Cards

Credit or debit cards are convenient, but you don't see your shrinking bank balance with every purchase.  

If you use mobile banking or money management apps while using your card, and it’s working, keep doing your thing. Otherwise, you might want to consider...

• When you have an emergency: Cash is accepted everywhere, so have some on hand. Dave Ramsey recommends having at least $1,000 in an emergency fund.
• When you want to limit your spending: Psychologically, we spend less money when we use cash as you ca...

Compulsive shopping is when chronic, repetitive buying habits have serious consequences and become a disorder, similar to drug addiction. Conscious spending is one of ways we can overcome this emotional need to buy stuff.

An inability to handle money effectively a...